Cash flow and savings
A monthly map of income, bills and goals that shows which account should receive each extra dollar and why.
We organise the work around the questions families really ask: can we afford this, are we covered, and what happens if one of us is not here.
Each area has an owner on our side and a date on your calendar, so nothing waits for somebody to remember it.
A monthly map of income, bills and goals that shows which account should receive each extra dollar and why.
A written policy statement sets target mixes and rebalancing bands, so decisions during a bad month follow rules you agreed to in a calm one.
Life, disability, umbrella and long-term care reviewed against real exposure rather than the number an agent finds comfortable.
Savings targets for each child, plus honest guidance on loans, scholarships and the trade-off against your own retirement.
Open enrolment choices, equity grants, deferred compensation and pension elections explained before the deadline rather than after it.
We check titling and beneficiaries, prepare questions for your attorney and keep a one-page emergency guide your family can find.
Tax estimate, contribution plan and a refreshed cash-flow map for the year ahead.
Filing check with your accountant and a mid-year look at goals that moved.
Market, income and health what-ifs run against the plan, with notes on what we would change.
Benefit elections, year-end gifts, charitable giving and loss harvesting where it truly helps.
Both. Clients on Household and Legacy tiers let us place trades inside their own custodian accounts; Foundation clients receive recommendations and place trades themselves.
Yes, and we prefer it. Our job is to make their work easier by sending organised numbers before each meeting.
We plan the whole balance sheet. Paying off a high-rate loan often beats any investment, and we will show the maths side by side.
Most households start with cash flow and insurance, then add investments. We will help you sequence the work during the intro call.